Bank Safety Analysis
Is Wrentham Co-Operative Bank Safe?
Wrentham Co-Operative Bank shows stress on 1 of 5 regulatory safety dimensions and is currently outside well-capitalized thresholds on at least one measure. Analysis based on the Q2 2026 call report.
Compared with Q1 2026, net interest margin rose 0.20 percentage points in Q2 2026 to 2.12%, the biggest move on this page. Wrentham Co-Operative Bank ranks 6th of 59 Massachusetts banks on CET1 ratio, in the upper half at 20.38% (Q2 2026). Wrentham Co-Operative Bank reported 20.38% on CET1 ratio for Q2 2026, 5.30 points above the 15.07% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Wrentham Co-Operative Bank's Texas ratio ranged between 0.00% (Q1 2026) and 0.93% (Q2 2025). Compared with Q2 2025, Wrentham Co-Operative Bank's noncurrent loans to total loans from 0.14% to 0.13%, Texas ratio from 0.93% to 0.91%, return on assets from -0.22% to 0.09% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
CET1 of 20.38% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 8.34% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.13% are within industry-normal range.
Texas Ratio of 0.9% is well below the 100% historical failure threshold.
Efficiency ratio of 95.6% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 20.38% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.91% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.13% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 67.38% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 5.04% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 3 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 20.38% |
| Q1 2026 | 21.02% |
| Q4 2025 | 21.40% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.91% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.92% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.93% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.93% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.93% |
| Q1 2024 | 0.92% |
| Q4 2023 | 0.91% |
| Q3 2023 | 0.00% |
Wrentham Co-Operative Bank by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 20.38% | 0.13% | 0.91% | 0.09% |
| Mar 31, 2026 | 21.02% | 0.00% | 0.00% | 0.00% |
| Dec 31, 2025 | 21.40% | 0.13% | 0.92% | -0.18% |
| Sep 30, 2025 | — | 0.00% | 0.00% | -0.14% |
| Jun 30, 2025 | — | 0.14% | 0.93% | -0.22% |
| Mar 31, 2025 | — | 0.00% | 0.00% | -0.35% |
| Dec 31, 2024 | — | 0.14% | 0.93% | -0.54% |
| Sep 30, 2024 | — | 0.00% | 0.00% | -0.74% |
| Jun 30, 2024 | — | 0.15% | 0.93% | -0.66% |
| Mar 31, 2024 | — | 0.16% | 0.92% | -0.79% |
| Dec 31, 2023 | — | 0.16% | 0.91% | -0.22% |
| Sep 30, 2023 | — | 0.00% | 0.00% | -0.06% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Wrentham Co-Operative Bank FDIC insured?
Yes. Wrentham Co-Operative Bank is an FDIC-insured commercial bank (FDIC Certificate #26576). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Wrentham Co-Operative Bank well capitalized?
Yes. Wrentham Co-Operative Bank reports a CET1 Ratio of 20.38%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is Wrentham Co-Operative Bank's nonperforming loan ratio?
As of the most recent call report, Wrentham Co-Operative Bank's nonperforming loan ratio is 0.13%. Nonperforming loans at 0.13% are within industry-normal range.
What is Wrentham Co-Operative Bank's Texas Ratio?
Wrentham Co-Operative Bank's Texas Ratio is 0.91%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 26576) · FFIEC NIC profile (RSSD 948278)
Explore: Full Wrentham Co-Operative Bank profile · Other banks in MA · Metric glossary · How the call report works